Total monthly cost of ownership
Cost to Own a Home in Northern Cambria, Pennsylvania
A $84,000 home here costs
$902per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $38,500 a year.
A standard mortgage calculator would have told you $458. The real number is $444 higher every month, 97% more than the payment most buyers budget for.
Compare Cambria County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Northern Cambria from a five-year rolling sample, and with about 3,515 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Cambria County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Northern Cambria against Cambria County and Pennsylvania
| Measure | Northern Cambria | Cambria County |
|---|---|---|
| Median home value | $84,400 | $115,900 |
| Median property tax | $1,204 | $1,487 |
| Effective tax rate | 1.427% | 1.283% |
| Median gross rent | $521 | $733 |
| Population | 3,515 | 132,355 |
The weather behind that power bill
Northern Cambria sits in Cambria County, which averages a high of 78.7°F in its hottest month and a low of 15.9°F in its coldest, with 48.68" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 294 cooling and 6,963 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Cambria County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cambria County
Full Cambria County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Northern Cambria averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Northern Cambria every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Northern Cambria I already own here and may sell
Common questions
How much does it cost to own a home in Northern Cambria?
A $84,000 home in Northern Cambria, Pennsylvania costs approximately $902 per month with 20% down at 7.24%. That is $458 principal and interest, $100 property tax, $28 homeowners insurance, $246 utilities and $70 set aside for maintenance.
What is the property tax rate in Northern Cambria?
Northern Cambria has an effective property tax rate of 1.427%, based on a median home value of $84,400 and median real estate taxes of $1,204. That is higher than the Cambria County average of 1.283%.
What is the average home price in Northern Cambria?
The median owner-occupied home value in Northern Cambria, Pennsylvania is $84,400, against $115,900 across Cambria County.
Is it cheaper to rent or buy in Northern Cambria?
Median gross rent in Northern Cambria is $521 a month, against $902 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Northern Cambria?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Northern Cambria, Pennsylvania at today's rate takes a household income of roughly $38,500 a year. That covers the full $902 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Northern Cambria, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Pennsylvania.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.